Call reports 2013
EVERTRUST BANK — 2013
What EVERTRUST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 542,593,000 | 576,356,000 | 588,080,000 | 629,726,000 |
| Total loans | 341,066,000 | 366,096,000 | 407,371,000 | 435,220,000 |
| Allowance for loan losses | 8,633,000 | 8,633,000 | 7,999,000 | 8,357,000 |
| Securities available for sale | 103,451,000 | 99,520,000 | 86,171,000 | 75,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,458,000 | 406,897,000 | 416,560,000 | 455,854,000 |
| Interest-bearing deposits | 353,978,000 | 374,910,000 | 381,782,000 | 418,656,000 |
| Noninterest-bearing deposits | 34,480,000 | 31,987,000 | 34,778,000 | 37,198,000 |
| Equity capital | 119,627,000 | 119,522,000 | 120,915,000 | 122,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,599,000 | 9,749,000 | 15,167,000 | 21,239,000 |
| Interest expense | 621,000 | 1,257,000 | 1,925,000 | 2,656,000 |
| Net interest income | 3,978,000 | 8,492,000 | 13,242,000 | 18,583,000 |
| Noninterest income | 1,015,000 | 1,214,000 | 3,481,000 | 3,246,000 |
| Noninterest expense | 2,835,000 | 5,684,000 | 9,519,000 | 11,671,000 |
| Provision for loan losses | 0 | 0 | 800,000 | 1,220,000 |
| Pretax income | 2,611,000 | 4,475,000 | 7,030,000 | 9,614,000 |
| Income tax | 1,085,000 | 1,887,000 | 2,944,000 | 3,998,000 |
| Net income | 1,526,000 | 2,588,000 | 4,086,000 | 5,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,989,000 | 79,514,000 | 80,986,000 | 82,837,000 |
| Total capital | 83,435,000 | 84,351,000 | 86,024,000 | 88,271,000 |
| Risk-weighted assets | 351,282,000 | 382,990,000 | 399,927,000 | 431,599,000 |
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